22,866 employees - cicfc\kk\ =`exez\d\ek:d$:@: c\xj\ ... tunis tel: +216 71 96 23 33/96 30 78...

$: 22,866 employees - CICfc\kk\ =`eXeZ\d\ek:D$:@: C\Xj\ ... Tunis Tel: +216 71 96 23 33/96 30 78 E-mail: bureau.tunis@cic-tunis.com Emna Ben Amor - Dimassi Middle East Israel$
2 0 0 8

22,866 employees

2,055 branches in France

3 foreign branches and

35 foreign representation offices

3,988,325 clients, including:

3,314,827 individuals

566,241 self-employed professionals

104,573 corporates

CIC has been part of Crédit Mutuel since 1998.

Customer deposits €64,816 millionCustomer loans €109,787 millionManaged savings €220,377 million

CICgroup

CIC’s group activities comprise four core businesses

Retail banking comprises all of the group’s banking and specialist activities whose products are distributed via the network’s five regional divisions and the network in the greater Paris region. These include life insurance and property-casualty insurance, equipment leasing, real estate leasing, factoring, fund management, employee savings plans and real estate.

Financing and capital markets encompasses two core business lines:

• credit facilities for large corporates and institutional cli-ents, specialized financing (project and asset financing, export financing, etc.), international operations and foreign branches;

• capital markets operations in general, spanning customer and proprietary transactions involving interest rate instruments, and foreign currencies and equities, including brokerage ser-vices (CM-CIC Securities).

Private banking offers a broad range of finance and pri-vate asset management expertise to entrepreneurs and private investors. The private banking business is orches-trated at national and regional level under the CIC Banque Privée banner and has 59 branches and 340 employees. It is built around the group’s specialist subsidiaries in France and abroad.

Private equity includes equity investments, M&A advisory, and financial and capital markets engineering. CIC is one of the leading players in this segment in France outside the Paris region. The business has a three-pronged structure organized around:

• CIC Finance in Paris

• CIC Banque de Vizille in Lyon

• IPO in Nantes

CIC, the group holding company and network bank serving the Paris region, comprises five regional banks and specialist entities covering all areas of finance – both in France and abroad – and insurance.

Group activities

CIC group simplified organization chart

The CIC group is made up of:• CIC (Crédit Industriel et Commercial), the holding company and head of the CIC

group’s bank network. It is also the network’s bank serving the Paris region and houses the group’s investment, financing and capital markets activities;

• five regional banks, each of which serves a clearly-defined region;

• specialist entities and service companies serving the whole group.

On December 31, 2007, CIC’s ownership structure was as follows: - BFCM (Banque Fédérative du Crédit Mutuel): 70.78% and Ventadour Investissement:

20.66%, representing a total interest of 91.44% for Crédit Mutuel Centre Est Europe; - Caisse Centrale de Crédit Mutuel: 0.99%; - Banca Popolare di Milano: 0.98%; - Crédit Mutuel Nord Europe: 0.84%; - Compagnie Financière de Crédit Mutuel: 0.75%; - Crédit Mutuel Maine-Anjou, Basse-Normandie: 0.69%; - Crédit Mutuel Océan: 0.69%; - Crédit Mutuel Centre: 0.56%; - Crédit Mutuel Loire-Atlantique Centre-Ouest: 0.35%; - Crédit Mutuel de Normandie: 0.07%; - Treasury stock: 0.66%; - Employees: 0.44 %;

The remaining 1.54% of shares are held by the public.

Crédit Mutuel shareholdings by business:Private banking Mutuel Bank Luxembourg: 40%Banque Transatlantique Luxembourg: 28.9%

Private equity IPO: 10.2%CIC Banque de Vizille: 3.7%

Specialized businessesCM-CIC Asset Management: 76.4%CM-CIC Bail: 1.1%CM-CIC Lease: 45.9%Factocic: 15%CM-CIC Agence immobilière: 51.3%CM-CIC Participations immobilières: 51.7%

Insurance Groupe des Assurances du Crédit Mutuel: 79.5%

Shared services companies Euro Information: 87.1%

The percentages indicate the portion of the entity controlled by CIC as defined under article L.233-3 of the French Commercial Code (Code de commerce). The companies not controlled by CIC, i.e. where ownership is less than 50%, are jointly owned by Crédit Mutuel, as indicated below. They are therefore controlled by the Crédit Mutuel-CIC group in accordance with the terms of the same article of the French Commercial Code.

* Private banking activities are also conducted by the CIC Singapore branch (in situ and via CIC Investor Services Limited in Hong Kong).

CIC Banque CIO-BRO

CIC Société Bordelaise

CIC CIC Greater Paris region

Total clients(1): 623,068

• individuals 522,722

• self-employed professionals 88,215

• corporates 12,130

ATMs 231

Customer loans 13,800

Customer deposits 10,064

Managed savings 10,797

Western FranceCIC Banque CIO-BRO





ATMs 392




Southwestern FranceCIC Société Bordelaise





ATMs 360




(1) Including miscellaneous clients.

CIC

6 avenue de Provence75009 ParisTel: +33 1 45 96 96 96www.cic.fr

Chairman of the Supervisory Board: Etienne PflimlinPresident of the Executive Board: Michel LucasVice-President of the Executive Board: Alain FradinMembers of the Executive Board: Michel Michenko, Jean-Jacques TamburiniPhilippe Vidal, Rémy Weber

CIC Banque BSD-CIN

33 avenue Le Corbusier59800 LilleTel: +33 3 20 12 64 64www.cic.fr

E-mail: [email protected] and Chief Executive Officer: Gérard RomedenneChief Operating Officer: Stelli Prémaor

CIC Lyonnaise de Banque

8 rue de la République69001 LyonTel: +33 4 78 92 02 12www.cic.fr

Chairman and Chief Executive Officer: Rémy WeberDeputy Chief Operating Officers: Michel Bodoy, Isabelle Bourgade, Yves Manet

CIC Est

31 rue Jean Wenger-Valentin 67000 Strasbourg Tel: +33 3 88 37 61 23 www.cic.fr

Chairman and Chief Executive Officer: Philippe VidalChief Operating Officers: Luc Dymarski, Pierre JachezDeputy Chief Operating Officer: Thierry Marois

CIC Société Bordelaise

Cité Mondiale 20 quai des Chartrons 33058 Bordeaux Cedex Tel: +33 5 57 85 55 00 www.cic.fr

Chairman and Chief Executive Officer: Jean-Jacques TamburiniChief Operating Officer: Jean-Philippe Brinet

Figures at December 31, 2007, in millions of euros.

Regional banks

CIC Lyonnaise de Banque

CIC Est

CIC Greater Paris region

CIC Banque BSD-CIN

CIC Banque CIO-BRO

2 avenue Jean-Claude Bonduelle 44000 Nantes Tel: +33 2 40 12 91 91 www.cic.fr

Chairman and Chief Executive Officer: Michel MichenkoChief Operating Officer: Jean-Pierre Bichon

Regional banks

Northwestern France CIC Banque BSD-CIN





ATMs 340




Southeastern FranceCIC Lyonnaise de Banque





ATMs 566




Eastern FranceCIC Est





ATMs 383




international and specialist network

International network

Europe

Germany

Wilhelm-Leuschner Strasse 9-11 D 60329 Frankfurt am Main Tel: +49 69 97 14 61 01 E-mail: [email protected]

Christoph Platz-Baudin

Belgium and the Netherlands

41 avenue A. Milcamps 1030 Brussels Tel: +32 2 511 23 58 E-mail : [email protected]

Yolande van der Bruggen

Spain

Calle Marquès de la Ensenada no. 2-3 28004 Madrid Tel: +349 1 308 32 81/82 E-mail : [email protected]

Rafael Gonzalez-Ubeda

United Kingdom

Veritas House125 Finsbury PavementLondon EC2A IHXTel: +44 20 74 54 54 00

Ubaldo Bezoari

Greece

Vassileos Alexandrou 5-7 11528 Athens Tel: +30 210 72 22 531/541E-mail: [email protected]

Georges Anagnostopoulos

Hungary

Budapesti képviseleti Iroda Fö ucta 10 H-1011 Budapest Tel: +36 1 489 03 40E-mail: [email protected]

Kalman Marton

Italy

Corso di Porta Vittoria, 2920122 MilanTel: +39 02 55 19 62 42E-mail: [email protected]

Hubert de Saint-Paul

Poland

Ul Stawki 2Warsaw 00-193Tel: +48 22 860 65 01/02/03E-mail: [email protected]

Barbara Kucharczyk

Portugal

Avenida de Berna no. 30, 3° A1050-042 Lisbon Tel: +351 21 790 68 43/44E-mail: [email protected]

Henrique Real

Czech Republic

Mala Stepanska 912000 Prague CZ Tel: +420 2 24 91 93 98E-mail: [email protected]

Zdenka Stibalova

Romania

Str. Cpt. Av. Gheorghe Marasoiu no. 3 Sector 1 011907 Bucharest Tel: +40 21 203 80 83E-mail: [email protected]

Adela Bota

Russian Federation - CIS

9, k.2A Kutuzovskiy prospectOffice 93-94121248 MoscowRussian Federation Tel: +7 495 974 12 44E-mail: [email protected]

Laurence Dagreou

Sweden, and the Baltic and Nordic States

Grev Magnigatan 6SE - 114.55 StockholmTel: +46 8 611 47 11E-mail: [email protected]

Martine Wahlström

Switzerland

29 avenue de Champel1211 Geneva 12 Tel: +41 22 839 35 06E-mail: [email protected]

Nadine Johnson

Turkey

INONU Cad. Miralay Sefik Bey Sok. no. 5-8 80090 Gumussuyu Istanbul Tel: +90 212 251 35 41E-mail: [email protected]

Mehmet Bazyar

Africa

Algeria

36 rue des Frères Benali Hydra16000 Algiers Tel: +213 21 60 15 55E-mail: [email protected]

Ahmed Mostefaoui

Egypt

28 rue CherifCairo 11-111 Tel: +20 2 393 60 45E-mail: [email protected]

Hussein M. Lotfy

Morocco

12 boulevard Brahim RoudaniRésidence Zeïna 1er étage appartement 10220000 CasablancaTel: +212 22 20 67 67/68 16E-mail: [email protected]

Mahmoud Belhoucine

Tunisia

Immeuble Carthage CenterRue du Lac de Constance2045 Les Berges du Lac – TunisTel: +216 71 96 23 33/96 30 78E-mail: [email protected]

Emna Ben Amor - Dimassi

Middle East

Israel

Y.S. ConsultingBeit Hatasiya (Industry House)29, Hamered Street, Suite 1028POB 50156Tel-Aviv 61500 Tel: +972 3 517 22 71E-mail: [email protected]

Jacob Shtofman

Lebanon and Middle East

AchrafiehRue de La SagesseSagesse Building 7548th foorBeirut Tel: +961 1 56 04 50E-mail: [email protected]

Blanche Ammoun

Americas

Argentina

Av. Callao 1870 - Piso 41024 Buenos Aires Tel: +54 11 48 06 88 77E-mail: [email protected]

Miguel de Larminat

Brazil

Avenida Paulista 2073Horsa I11° Andar-cj.111601311 940 - Sao Paulo SPTel: +55 11 3251 14 21E-mail: [email protected]

Luiz Mendes de Almeida

Chile

Edificio World Trade Center SantiagoAv. Nueva Tajamar 481Torre Norte - Oficina 1401Las Condes - Santiago de Chile Tel: +56 2 203 67 90E-mail: [email protected]

Sylvie Le Ny

United States

CIC520 Madison AvenueNew York, NY 10022Tel: +1 212 715 44 00E-mail: [email protected]

Serge Bellanger

Mexico

Andrés Bello no. 45Piso 13ACol. Polanco 11560Mexico D.F.Tel: +52 55 52 80 83 73E-mail: [email protected]

Santiago de Leon Trevino

Venezuela

Centro Plaza - Torre A - Piso 12Oficina 1Avenida Francisco de MirandaCaracasPostal address: Apartado Postal 60583 Caracas 1060 Tel: + 58 212 285 45 85/

286 25 03E-mail: [email protected]

Pierre Roger

Asia

Eastern China/Shanghai

Room 2005Shanghai Overseas Chinese Mansionno. 129 Yan An Xi Road (w)Shanghai 200040 Tel: +86 21 62 49 66 90/69 27E-mail: [email protected]

Shan Hu

Northern China/Beijing

Room 310, Tower 1, Bright ChinaChang An Buildingno. 7 Jianguomennei DajieDong Cheng DistrictBeijing 100005 P.R.Tel: +86 10 65 10 21 67/68E-mail: [email protected]

Wenlong Bian

Southern China/Hong Kong

22nd Floor, Central Tower 28 Queen’s Road CentralHong KongTel: +85 2 25 21 61 51E-mail: [email protected] David Ting

Korea

Samsug Marchen House 601Il-San-Dong-KuJang-Hang-Dong-2-Dong 752Goyang 410-837 South KoreaTel: +82 31 901 1225E-mail: [email protected]

Isabelle Hahn

India

A-31 Lajpat Nagar Part 2New Delhi 110 024Tel: +91 11 40 54 82 13E-mail: [email protected]

Francis Wacziarg

Japan

Sun Mall Crest 3011-19-10 ShinkukuShinjuku-kuTokyo 160 – 0022Tel: +81 3 32 26 42 11Telex: +072 22728 NORBANK JE-mail: [email protected]

Frédéric Laurent

Singapore

63 Market Street #15-01Singapore 048942Tel: +65 65 36 60 08www.cic.com.sgE-mail: [email protected]

Jean-Luc Anglada

Taiwan

380 Lin-shen North Road10 F (101 room)TaipeiTel: +886 2 2543 26 62/63E-mail: [email protected]

Henri Wen

Thailand

622, Emporium Tower, 14th floorSukhumvit 24 RoadKlongton, Klongtoey Bangkok 10110 Tel: +662 6649270E-mail: [email protected]

Abhawadee Devakula

Vietnam

c/o Openasia Group6B Ton Duc Thang Street 1st FloorDistrict 1Hô Chi Minh City Tel: +848 910 50 29E-mail: [email protected]

Daitu Doan Viet

Oceania

Australia

Level 31 ABN Amro Tower88 Philip streetSydney2000 AustraliaTel: +612 8211 27 25E-mail: [email protected]

Atul Ahuja

Specialist network

France

Private banking

CIC Banque Transatlantique 226 avenue Franklin D. Roosevelt75008 ParisTel: +33 1 56 88 77 77www.banquetransatlantique.com

Chairman and Chief Executive Officer: Bruno Julien-LaferrièreChief Executive Officer: Hubert Veltz

Private equity

CIC Banque de Vizille Espace Cordeliers2 rue Président Carnot69293 Lyon cedex 2Tel: +33 4 72 56 91 00E-mail: [email protected]

Antoine Jarmak

CIC Finance4 rue Gaillon75107 Paris Cedex 02Tel: +33 1 42 66 76 63E-mail: [email protected]

Sidney Cabessa

IPO32 avenue Camus44000 NantesTel: +33 2 40 35 75 31E-mail: [email protected]

Pierre Tiers

Belgium

Private banking

Banque Transatlantique Belgium Rue de Crayer, 141000 BrusselsTel: +32 2 626 02 80E-mail: [email protected]

Michel de Villenfagne

Luxembourg

Private banking

Banque de Luxembourg 114 boulevard RoyalL 2449 LuxembourgTel: +352 49 92 41E-mail: [email protected]

Pierre AhlbornRobert Reckinger

Banque Transatlantique Luxembourg 17 Côte d’Eich - BP 884L 2018 LuxembourgTel: +352 46 99 891E-mail: [email protected]

Thierry de Pascal

Switzerland

Private banking

CIC Private Banking- Banque Pasche 10 rue de HollandePO Box 57601211 Geneva 11 Tel: +41 22 818 82 22E-mail: [email protected]

Christophe Mazurier

CIC Suisse 11-13 place du Marché4001 BaselTel: +41 61 264 12 00E-mail: [email protected]

Hans Brunner Philippe Vidal

Hong Kong

Private banking

CIC Investor Services Limited 22nd Floor, Central Tower 28 Queen’s Road CentralHong KongTel: +85 2 21 06 03 88E-mail: [email protected]

Timothy Lo

Singapore

Private banking

CIC Banque Transatlantique63 Market Street #15-01Singapore 048942Tel: +65 62 31 98 80www.banquetransatlantique.com

Hervé Guinebert

CIC Singapore63 Market Street #15-01Singapore 048942Tel: +65 62 31 98 80 www.cic.com.sg E-mail: [email protected]

Paul Kwek

CIC –Société anonyme with an Executive Board and a Supervisory Board. Capital: €573,626,848 6, avenue de Provence – 75009 Paris – Tel: +33 (0)1 45 96 96 96 – Fax: +33 (0)1 45 96 96 66 – Telex: 688314 CICP – swift cmcifrpp – website: http://www.cic.fr Bank governed by Article L.511-1 of the French Monetary and Financial Code – Registered in Paris under no. 542 016 381 – Postal address: 75452 Paris Cedex 09

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22,866 employees - cicfc\kk\ =`exez\d\ek:d$:@: c\xj\ ... tunis tel: +216 71 96 23 33/96 30 78...

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